Life Insurance

personal life

Why should you buy life insurance? Some reasons include…

  • Mortgage protection – Pay off that mortgage so your spouse or significant other can afford to stay in the home.


  • Final expenses – Funeral and burial expenses can count up. Do not burden your family with those costs.


  • Income replacement – Have you budgeted your expenses based on your total household income? Can your children still attend college? Can the auto loan payments or utility bills be made on time?


  • Business need – It may be important for your business to have key person insurance in the event of an untimely death of someone in your organization.

We provide several options for life insurance including term, whole life and universal life. Premiums are generally less the younger you are. Do not wait, call us today.

Term Life – Provides coverage for a limited time period – 10, 15, 20 or 30 years. Usually the least expensive type of life insurance. This type of policy is best for events that have a known duration like paying off a mortgage loan.

Whole Life – Considered a form of permanent insurance. As long as premiums are paid, the policy stays in force. The premiums are fixed, the death benefit is guaranteed and the policy will build cash value.

Universal Life – Also a form of permanent life insurance. This policy also stays in force as long as the required payments continue. Premiums can be adjusted. Some policies may accumulate cash value.